Dog Insurance That Covers Pre Existing Conditions

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Dog Insurance That Covers Pre Existing Conditions

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Reviewed by Dr. Patrik Holmboe Dr. Patrik Holmboe Reviewer Dr. Patrik Holmboe completed his veterinary studies at the University of Melbourne in 2015 and spent over five years working as a companion animal veterinarian in Australia, Dubai and the Netherlands. In 2021, he combined his interests in veterinary medicine, technology and innovation by joining Cooper Pet Care, the leading Dutch veterinary telemedicine provider. In his role as Chief Veterinary Officer, he oversees all veterinary operations, focusing on improving the customer experience.

Pet insurance companies usually don’t cover pre-existing conditions, but some providers will cover conditions that can be cured after a certain amount of time. Buying pet insurance while your pet is young can help ensure that it has coverage for unexpected injuries, illnesses, or other emergencies in the future.

Most pet insurance providers define pre-existing conditions as any health problem a pet has been treated for before the policy starts, including the waiting period. Many companies require you to submit comprehensive medical records for your pet before issuing claim refunds to avoid paying for pre-existing conditions.

Here, we’ll look at the best pet insurance policies that offer coverage for pre-existing medical conditions, coverage requirements, and additional factors such as policy options, waiting periods, and deductibles.

Does Pet Insurance Cover Preexisting Conditions?

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In most cases, pet insurance does not cover pre-existing conditions. Even if pre-existing conditions are excluded, pet health insurance providers will cover other aspects of your pet’s medical care. Many pet insurance companies offer upfront coverage, but many have restrictions.

Pre-existing conditions are conditions for which your pet showed symptoms, was diagnosed, or underwent treatment before your pet insurance policy began. This includes any conditions that arose during your insurance provider’s waiting period (the time between purchasing a plan and being able to file a claim for coverage). A pre-existing condition is determined by when the symptoms started, not whether the vet diagnosed the condition.

Unfortunately, no pet insurance providers cover pre-existing conditions. Insurance companies view pets with these medical conditions as an expensive and high-risk investment, especially since they will need veterinary care in the near future.

Taking The Pain Out Of Pre Existing Conditions

However, some companies will differentiate between curable and incurable conditions, choosing to cover certain conditions that are curable. Companies usually ignore developed bilateral terms.

Curable pre-existing conditions usually include conditions that, once treated, do not recur chronically. Embrace defines a previously curable condition as no recurrence of symptoms within one year of treatment. Spot does not have a predictable condition if your pet has been treated for it and no signs have recurred within 180 days of the last episode (except for knee and ligament conditions).

Unfortunately, pet insurance providers will not cover these types of conditions above. However, if your pet has been insured from a young age and develops one of these conditions over time, it would be covered under your policy.

A bilateral condition refers to an injury or disease that affects both sides of the body, such as a cruciate ligament tear, cataracts, or hip dysplasia. Because there is a greater risk of a pet developing the same condition on one side of its body after suffering the same condition on the other, many pet insurance providers exclude bilateral conditions from coverage.

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For example, if your German Shepherd was treated for hip dysplasia on the left side of his body before enrolling in pet insurance, his right hip dysplasia would not be covered in the future.

Hereditary or genetic conditions are considered pre-existing before or during the waiting period for any symptoms or diagnosis. Common diseases in pets include kidney disease, heart disease, and epilepsy.

As with other conditions that may affect your pet, as long as the symptoms, treatment or diagnosis occur after your policy begins, your provider will likely cover a hereditary condition.

Embrace is listed as our primary provider for upfront coverage due to its reasonable policy of covering treatable conditions in pets.

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Embrace will cover a previously treatable condition if your pet is asymptomatic and does not require treatment for one year after their last symptoms. Some of the conditions that Embrace treats are: respiratory infections, urinary tract infections, bladder infections, vomiting, diarrhea and more. The hug does not cover pre-existing bilateral conditions. However, if a bilateral condition arises after coverage begins, it would be covered.

Embrace offers an accident and illness policy that covers vet bills related to unforeseen circumstances. Additionally, Embrace covers conditions like cancer, dental trauma, hereditary conditions, chronic conditions and more.

Embrace also offers a wellness coverage plan with three reimbursement levels: $250, $450, or $650. This plan includes routine care services such as wellness exams, vaccinations, flea, tick and worm prevention, grooming, microchipping and more.

We selected Spot as the second best provider to cover pre-existing medical conditions. Spot will consider your pet’s condition curable if it has been without treatment or without symptoms for 180 days.

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Spot’s policy excludes knee and ligament conditions, and Spot will not cover future related problems if a knee or ligament problem occurs prior to enrollment or during the waiting period.

While a vet exam is not required to begin coverage, you must submit your pet’s medical records as part of the application process.

With Spot, pet parents have the option of an accident-only or accident-and-illness plan. A budget-friendly option, the accident-only plan covers bites, broken bones, swallowed objects and toxic ingestions. The accident and illness plan also covers treatment for health conditions such as cancer, diabetes, infections, heart disease and more.

Additionally, additional preventive care is offered to cover routine care visits at reimbursement levels of $250 or $450. This coverage includes vaccinations, spay and neuter procedures, dental cleanings and wellness exams.

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ASPCA Pet Health Insurance guarantees that a condition is not pre-existing if the pet has recovered and is symptom-free and treatment-free for 180 days, except for knee and ligament conditions.

For example, if your cat was diagnosed with an ear infection before your coverage began, the company would not cover the treatment. However, if your cat were to develop another ear infection 180 days or more after the initial problem was cured, it would be covered.

ASPCA Pet Health insurance offers pet owners a choice of an accident-only plan and a Full Coverage plan, which is comparable to a standard accident and illness plan. While an accident-only plan will cover accidental injuries, a Full Coverage plan extends coverage to illnesses, certain conditions (such as hereditary, congenital, or chronic), behavioral problems, alternative therapies, and emergency care.

You can also add a Basic or Prime wellness care add-on – up to $250 or $450 for services like dental cleanings, routine wellness exams and vaccinations.

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Fetch is fourth on the list of providers that cover treatable conditions because its waiting period is longer than that of Spot or ASPCA Pet Health insurance.

Fetch will cover pre-curable conditions if signs or symptoms do not recur within the first year after your policy’s effective date. You will also need a vet exam showing that the condition is no longer present, which you can also request at a regular annual check-up.

Please note that when registering with Fetch, if the vet has not seen your pet in the six months prior to enrolment, your pet must undergo a wellness exam within the first 30 days of the policy.

Fetch offers pet owners a comprehensive accident and illness policy to cover illnesses and injuries, such as surgery, medication, diagnostics and hospitalization. Additionally, this plan covers patient visit exam fees, behavioral therapy, alternative therapies, and dental trauma/injury in its basic plan – items not typically offered in other providers’ standard plans.

Pre Existing Conditions Coverage For Pets

Fetch allows customers to customize their plan with a variety of options including deductibles, annual coverage limits and reimbursement rates.

Figo is ranked last on our list because, although it offers coverage for curable conditions, it has more conditions and a longer waiting period than other providers. According to Figo, a curable preliminary disease is a temporary disease, such as

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